FAQ's

New Customers

If you have customer’s vehicles in your care, custody and/or control for the purpose of carrying on your business in the motor trade, you probably need a Motor Trade Road Risks policy. It will allow you to road test, collect or deliver a vehicle prior to and immediately after repair, service, valeting, MOT test or other work on it.

If you are involved in vehicle sales, it covers vehicles you have acquired for trade purposes whilst being collected and/or delivered immediately after purchase or immediately prior to sale. It can also cover accompanied demonstration use.

Speak to our Sales Team on 03301 00 87 20 (Option 1) to get a free quote and arrange cover. We take payment over the phone for immediate cover and offer a range of payment options. You can also use our online quote enquiry form and we will call you back.

They must be the property of the policyholder – we cannot cover vehicles owned by an employee or spouse. There are also certain restrictions on the types that can be covered and the extent of cover available for certain vehicles. We will explain any relevant restrictions as part of our quote. If you already have a policy with us, your policy schedule will include details of the restricted vehicles.

The issue of fraud in the motor insurance market generally is well publicised. One way we can help protect you from the cost of this is by requesting a copy driving licence for all drivers insured on one of our policies. Please help us by providing these promptly when requested to do so.

Certain restrictions do apply. It must be used in accordance with the cover provided. This can be motor trade use only, social domestic please and commuting or additional business use. The use provided will often be different for each driver. The Cover Note or Certificate of insurance will detail this. One specific restriction is that customer’s vehicles can only be driven for motor trade purposes – you cannot drive them for any other purpose.

Yes. As long as your involvement in the motor trade is as a business, not as a hobby, we can probably provide you with motor tarde insurance. We may also be able to provide cover for driving in connection with your main occupation. Please ask.

Quads are a very specialist type of vehicle and if you own one, it would need to be insured under its own policy. If you work with quads occasionally as part of your motor trade business, please talk to us. We may be able to provide cover.

If our Road Runner Scheme is not suitable for your requirements, or you need something other than motor trade insurance, we may well be able to assist you with the wider range of products available to us and suited to the more complex motor trade businesses and a wide range of other trades and professions. Why not give our specialists a call on 03301 000 562 and see if we can help you.

Road Runner can provide cover for motor traders working with motorcycles. We can also insure a motorbike owned by you for social domestic pleasure and commuting use. Depending on your age and the type of motorcycle, some restrictions in cover may apply. Please ask one of the team for advice if you have any involvement with motorbikes.

Cover is effective immediately, provided that your policy gives cover for the type of vehicle involved. It is your responsibility to notify us of this for MID purposes. Click here to find out how to notify us.

All policies cover only “named drivers”. There is only cover for drivers that are named on your policy. You can have up to 7 named drivers, including yourself. Call us on 03301 00 87 20 (Option 3) if you want to add or delete a driver.

Provided you are travelling to an EU country, the minimum legal requirement applies. This may not be the same level of cover you have in the UK. To enable us to provide your usual level of cover you must request an extension of cover and advise us each time you travel outside of the UK. Please call our Customer Service team on 03301 00 87 20 (Option 3) for any foreign travel requests or enquiries.

Yes. Any increase or decrease in cover will affect your premium. Call us to find out more. Please note that you cannot add Protected No Claims Bonus during the period of insurance, so if you want this cover, make sure it is included when the policy starts.

Our policy covers vehicles that you own, but we do not need to know the date you bought or sold them. Provided it is owned by you and otherwise of a type covered by the policy and used and driven within the terms and conditions of the policy, you will be covered. You should make sure you keep all transaction receipts so you can provide proof of ownership, or sale, if required to do so by the police.

The form uses a third party database to look up registration details. Occasionally, it does not recognise a specific registration number. If this is the case, you can either manually type the details into the form or call us.

We always send you a current list of vehicles every time we make a change on your behalf. If you don't have a copy to hand, please Contact Us and ask for one. We can send it by email or post. You can also check www.askmid.com to see if an individual vehicle is listed on the Motor Insurance Database.

There is no specific windscreen cover section in the motor trade road risks policy. Where you have Comprehensive or Third Party, Fire & Theft cover any claim for glass would be covered to the same extent as any other damage to your vehicle under the own damage section of your road risks policy. If you are Insured Third Party Only, there is no cover at all. The claim would be subject to the normal policy excess and would prejudice your no claims bonus.

A cover note is a temporary certificate of motor insurance. It has the same legal standing as a certificate of motor insurance. The only difference is the period for which it is issued. We normally issue a cover note when a policy first incepts. This will generally happen where we are waiting for you to provide us with certain supporting documentation such as proof of no claims bonus or copies of driving licences.

General

Insurance Premium Tax (IPT) is controlled by the government, who decide how much this should be. Road Runner is required by law to add the prevailing rate of IPT to all insurance premiums. It is not added to our fees.

Certain restrictions do apply. It must be used in accordance with the cover provided. This can be motor trade use only, social domestic pleasure and commuting or additional business use. The use provided will often be different for each driver. The Cover Note or Certificate of insurance will detail this. One specific restriction is that customer’s vehicles can only be driven for motor trade purposes – you cannot drive them for any other purpose.

The administration fee is part of the way we are paid for providing our services to you. Our Terms of Business set out the fees we may charge for different transactions and we always disclose these to you in advance. The premiums we quote you include our fees and details of these are set out in all policy documentation. Our instalment options, as explained in ‘How to pay’ allow you to include the fee in any instalment plan you may select.

Calls cost no more than calls to geographic numbers (01 or 02) and must be included in inclusive minutes as part of any mobile phone contract. The exact cost will depend on whether you are using a mobile phone or landline and the agreement you have with your provider.

We do not make any money from calls to us. We moved to '03' numbers to help save our customers money.

Continuous Insurance Enforcements

CIE is a new approach to reducing the level of uninsured driving in the UK. It is now an offence to drive or keep a vehicle without appropriate motor insurance, unless it has a valid Statutory Off Road Notification (SORN).

Under CIE, the registered keeper of a vehicle that appears to have no insurance will be sent an Insurance Advisory Letter (IAL) by the Motor Insurers’ Bureau (MIB). The letter will set out what options the registered keeper can take to comply with CIE. If the registered keeper does not comply, DVLA will take enforcement action which may include:

£100 fine (Fixed Penalty Notice)

Their details being added to the DVLA’s wheel clamping partners list

Possible court prosecution that carries a maximum fine of £1000.

Following payment of the Fixed Penalty Notice, the registered keeper must still purchase a valid insurance policy or make a SORN declaration. If the vehicle remains uninsured the keeper could still with no further warning, be subject to further enforcement action.

The police will continue to stop uninsured drivers and seize uninsured vehicles from the roadside.

The DVLA, which has a database of all the registered vehicles in the country, and the Motor Insurers’ Bureau (MIB), which has a database of all the vehicles insured in the country, have joined forces to identify registered vehicles with no insurance.

The Registered Keepers will get a letter setting out the choices available to them, which are

to buy insurance if they are currently uninsured, or

if they have a current insurer, check with their insurer that the vehicle registration number is recorded correctly, or

update the DVLA with any detail changes if the vehicle has been sold, stolen or if you have made a SORN declaration.

If the advice on the letter is ignored the DVLA will then proceed with enforcement.

The Motor Insurers Bureau have produced a guide called Motor Trade and the MID which explains how this will affect various aspects of buying, selling, repairing and generally working with vehicles in the motor trade.

You should check the Motor Insurance Database (MID) by using the free service at www.askMID.com to check your vehicle registration is on the database. If the vehicle is missing or incorrect, or if you do not have access to the internet, please Contact Us straight away to check that the registration number of your car is recorded correctly..

If you lease your car you will be the registered keeper and so would receive the IAL and any other letters and so will be liable for any enforcement action if you do not insure the car or make a SORN declaration.

You, as the registered keeper, would receive the IAL and be liable for any enforcement action if your wife does not insure the car or make a SORN declaration. Please remember though that our policy only covers vehicles owned by you as the policyholder.

A valid motor insurance policy will still need to be purchased if you intend to keep the vehicle and do not declare a SORN. If it remains uninsured as identified by the database comparison, you could still, without any further warning, be subject to further enforcement action.